<?xml version="1.0" encoding="utf-8"?>
<!--
                                                                                     
 h       t     t                ::       /     /                     t             / 
 h       t     t                ::      //    //                     t            // 
 h     ttttt ttttt ppppp sssss         //    //  y   y       sssss ttttt         //  
 hhhh    t     t   p   p s            //    //   y   y       s       t          //   
 h  hh   t     t   ppppp sssss       //    //    yyyyy       sssss   t         //    
 h   h   t     t   p         s  ::   /     /         y  ..       s   t    ..   /     
 h   h   t     t   p     sssss  ::   /     /     yyyyy  ..   sssss   t    ..   /     
                                                                                     
	<https://y.st./>
	Copyright © 2018 Alex Yst <mailto:copyright@y.st>

	This program is free software: you can redistribute it and/or modify
	it under the terms of the GNU General Public License as published by
	the Free Software Foundation, either version 3 of the License, or
	(at your option) any later version.

	This program is distributed in the hope that it will be useful,
	but WITHOUT ANY WARRANTY; without even the implied warranty of
	MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
	GNU General Public License for more details.

	You should have received a copy of the GNU General Public License
	along with this program. If not, see <https://www.gnu.org./licenses/>.
-->
<!DOCTYPE html>
<html xmlns="http://www.w3.org/1999/xhtml">
	<head>
		<base href="https://y.st./en/weblog/2018/08-August/27.xhtml"/>
		<title>Sneaky credit union &lt;https://y.st./en/weblog/2018/08-August/27.xhtml&gt;</title>
		<link rel="icon" type="image/png" href="/link/CC_BY-SA_4.0/y.st./icon.png"/>
		<link rel="stylesheet" type="text/css" href="/link/main.css"/>
		<script type="text/javascript" src="/script/javascript.js"/>
		<meta name="viewport" content="width=device-width"/>
	</head>
	<body>
<nav>
	<p>
		<a href="/en/coursework/">Coursework</a> |
		<a href="/en/take-down/">Take-down requests</a> |
		<a href="/en/">Home</a> |
		<a href="/en/a/about.xhtml">About</a> |
		<a href="/en/a/contact.xhtml">Contact</a> |
		<a href="/a/canary.txt">Canary</a> |
		<a href="/en/URI_research/"><abbr title="Uniform Resource Identifier">URI</abbr> research</a> |
		<a href="/en/opinion/">Opinions</a> |
		<a href="/en/law/">Law</a> |
		<a href="/en/recipe/">Recipes</a> |
		<a href="/en/a/links.xhtml">Links</a> |
		<a href="/en/weblog/2018/08-August/27.xhtml.asc">{this page}.asc</a>
	</p>
	<hr/>
	<p>
		Weblog index:
		<a href="/en/weblog/memories">Memories</a> |
		<a href="/en/weblog/"><abbr title="American Standard Code for Information Interchange">ASCII</abbr> calendars</a> |
		<a href="/en/weblog/index_ol_ascending.xhtml">Ascending list</a> |
		<a href="/en/weblog/index_ol_descending.xhtml">Descending list</a>
	</p>
	<hr/>
	<p>
		Jump to entry:
		<a href="/en/weblog/2015/03-March/07.xhtml">&lt;&lt;First</a>
		<a rel="prev" href="/en/weblog/2018/08-August/26.xhtml">&lt;Previous</a>
		<a rel="next" href="/en/weblog/2018/08-August/28.xhtml">Next&gt;</a>
		<a href="/en/weblog/latest.xhtml">Latest&gt;&gt;</a>
			</p>
			<hr/>
</nav>
		<header>
			<h1>Sneaky credit union</h1>
			<p>Day 01269: <time>Monday, 2018 August 27</time></p>
		</header>
<img src="/img/CC_BY-SA_4.0/y.st./weblog/2018/08/27.jpg" alt="View of the overpass from across the street" class="framed-centred-image" width="649" height="480"/>
<section id="credit">
	<h2>Credit card application</h2>
	<p>
		Sleco sent over the forms to sign to accept the credit card offer in the form of a link to a virtual signing webpage.
		However, they sent two forms to sign, not one: a life insurance sign-up form and the actual credit card sign-up form.
		Many people stupidly don&apos;t read, so they would have signed up for the life insurance accidentally, and started receiving bills for it whether they wanted it or not.
		Those sneaky bastards.
		Then, I found that when I signed <strong>*only*</strong> the appropriate form, the page wouldn&apos;t submit.
		I was <strong>*required*</strong> to sign up for live insurance to complete the sent version of the credit card application!
		To top it off, no options on the form were modifiable.
		I couldn&apos;t simply move the check over to the &quot;no insurance&quot; option.
		I had to write back to the credit union and ask what to do.
		Wow.
		They never even asked me if I wanted life insurance, they just tried to trick me into buying it.
	</p>
	<p>
		When the credit union wrote back, they sent a link to a new version of the forms.
		I still had to sign the life insurance form, but this time, the box meaning that no one was signing up for insurance was checked.
		Though I have to wonder: why did I need to fill out that form at all if I&apos;m not signing up for the life insurance?
		It feels really hokey, and I&apos;m hoping I understood the form well enough and I actually succeeded in not signing up for anything.
	</p>
</section>
<section id="IRA">
	<h2><abbr title="individual retirement account">IRA</abbr></h2>
	<p>
		It looks like just as before, this <abbr title="individual retirement account">IRA</abbr> is opt-out, not opt in.
		I <strong>*want*</strong> the <abbr title="individual retirement account">IRA</abbr>, and I <strong>*still*</strong> think making them opt-out is a load of garbage.
		People shouldn&apos;t have their pay cheques siphoned away from unless they specifically agree to it by opting in.
		Last week, I thought I saw something about my employer matching contributions too, but that was wrong.
		Predictably, they opted not to do that.
	</p>
	<p>
		There&apos;s a huge amount of paperwork I need to read for this <abbr title="individual retirement account">IRA</abbr> plan.
		It might take me a few days.
	</p>
</section>
<section id="modem">
	<h2>Internet modem</h2>
	<p>
		While thinking of ways to fit exercise into my schedule, I briefly considered finding some excuse each week to bike to Eugene on Wednesdays.
		My excuse for this week would be looking for a modem at the recycling centre.
		This plan won&apos;t actually work out though, so I won&apos;t actually be biking to Eugene every Wednesday.
		I could make it work when school is out, but when school&apos;s in session, I don&apos;t often have that time to spare, especially now that I&apos;m trying to socialise a bit more by biking to Eugene for <abbr title="Eugene Unix &amp; GNU/Linux User Group">EUGLUG</abbr> meetings.
		Two trips to Eugene each week on top of school is just too much.
	</p>
	<p>
		I think I will make the trip this week though.
		I do need that modem if I&apos;m going to get a home Internet connection set up.
	</p>
</section>
		<hr/>
		<p>
			Copyright © 2018 Alex Yst;
			You may modify and/or redistribute this document under the terms of the <a rel="license" href="/license/gpl-3.0-standalone.xhtml"><abbr title="GNU&apos;s Not Unix">GNU</abbr> <abbr title="General Public License version Three or later">GPLv3+</abbr></a>.
			If for some reason you would prefer to modify and/or distribute this document under other free copyleft terms, please ask me via email.
			My address is in the source comments near the top of this document.
			This license also applies to embedded content such as images.
			For more information on that, see <a href="/en/a/licensing.xhtml">licensing</a>.
		</p>
		<p>
			<abbr title="World Wide Web Consortium">W3C</abbr> standards are important.
			This document conforms to the <a href="https://validator.w3.org./nu/?doc=https%3A%2F%2Fy.st.%2Fen%2Fweblog%2F2018%2F08-August%2F27.xhtml"><abbr title="Extensible Hypertext Markup Language">XHTML</abbr> 5.2</a> specification and uses style sheets that conform to the <a href="http://jigsaw.w3.org./css-validator/validator?uri=https%3A%2F%2Fy.st.%2Fen%2Fweblog%2F2018%2F08-August%2F27.xhtml"><abbr title="Cascading Style Sheets">CSS</abbr>3</a> specification.
		</p>
	</body>
</html>

